HADDONFIELD, N.J. (DTN) -- Melissa Gerber and her Leesburg, Ind., farm family members are hoping for relief when national health care reform takes effect in 2014. But with barely five months to go before each state launches a marketplace where small businesses or their employees can buy insurance Oct. 1, she isn't so sure.

"We're pricing different insurance products now, but our agents tell us we might not know until October what will be available," said Gerber, business manager for the family's seed corn, trucking and elevator operation. "It just seems like there's a lot of confusion out there. I ...

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